Getting started with Money Fit is easy. Here's how: Enter your information to get started with our debt relief services in San Diego.Money Fit helps San Diego residents find debt relief through trusted, nonprofit services. In this article we'll cover all of them from debt settlement to bankruptcy and provide a helpful guide for how to find the right one for your needs. New Era Debt Solutions has helped thousands of consumers in San Diego clear their debt quickly through ethical, low-cost channels. If you qualify for the Debt Reduction Program, you may pay a reduced amount to satisfy your balance, rather than full amount due. Debt consolidation loan: Pays off multiple debts through one new loan with a lower interest rate. Yes, you can negotiate debt settlement on your own. Debt consolidation is a way of replacing multiple smaller debts with a single loan. Counselors at nonprofit credit counseling agencies figure out what your monthly payment would be to eliminate your credit card debt.